What are the current interest rates at Westerly Community Credit Union?

Current rates for Westerly Community Credit Union include: 12-Month CD: 2.85%, 18-Month CD: 3.35%, 24-Month CD: 3.00%, 60-Month CD: 0.70%, Savings: 3.00%, MMA: 3.05%

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Westerly Community Credit Union

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Westerly Community Credit Union Rates & Review October 2026

Q: Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westerly Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Content reviewed by

Brian McKay

| Editorial Disclosure | ✓Fact Checked | Rates Last Updated and Verified: October 13, 2026

Westerly Community Credit Union's top rates as of October 13, 2026 are 3.65% APY on its 14 Month CD/IRA Special (Limited Time Offer), 3.00% APY on savings, 3.05% APY on money market accounts, 3.50% APY on checking, 5.75% on its Refi Home Loan mortgage, and auto loans from 5.49% APR, according to rates verified by MonitorBankRates. Other Westerly Community Credit Union CD rates include 8 Month CD/IRA Special (Limited Time Offer) at 3.45%, 11 Month CD/IRA Special at 3.35%, and 18 Month CD of Deposit at 3.35%. Other Westerly Community Credit Union mortgage rates include Refi Home Loan at 6.12%, Refi Home Loan at 6.50%, and Refi Home Loan at 6.62%. MonitorBankRates evaluates the financial stability of Westerly Community Credit Union with a 5.0 Star Rating, an A+ Overall Health Grade, and a Texas Ratio of 1.81%. Rates last updated and verified on 10/13/2026.

Westerly Community Credit Union money market rates, and other rates, are continually updated to reflect market conditions. We recommend checking back frequently to get the best money market rates and other rates available. Have you opened an account or have any experiences at Westerly Community Credit Union? Share your experience about Westerly Community Credit Union by leaving a review below, or read customer reviews before you decide to use Westerly Community Credit Union.

Verified Healthy Q2 2026 Use This Badge on Your Credit Union Website

Overall Health & Safety Grade

A+

Exceptional Health Score: 99/100

MonitorBankRates Rating

5.0

Exceptional Out of 5.0 Stars

Texas Ratio

1.81%

Excellent Lower than avg

Health Trend

Very strong 12 quarters

Full history ›

Westerly Community Credit Union
Wakefield Branch & Operation Center

4979 Tower Hill Rd
Wakefield, RI 02879-2283

https://www.westerlyccu.com

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Financial health data as of Q2 2026 (NCUA 5300 call report for the quarter ended June 30, 2026). This is the most recent call report available. The NCUA publishes credit union call reports about ten weeks after each quarter ends.

Westerly Community Credit Union CD Rates

Product	Rate	APY	Term
14 Month CD/IRA Special (Limited Time Offer)	3.59%	3.65%	14 Months
Min Deposit $10,000 Min Balance $10,000 Details Balance: $10,000 and above; Limited time offer; New money only; Existing WCCU members eligible when an additional $10,000 in new money is added; Penalty for early withdrawal Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.85% → 3.65% ▼ 0.20 pts · high 3.85% / low 3.65% Sep 26, 20263.65%▼ from 3.85% Sep 14, 20263.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
8 Month CD/IRA Special (Limited Time Offer)	3.40%	3.45%	8 Months
Min Balance $100,000 Details Balance: $100,000 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.45% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
11 Month CD/IRA Special	3.30%	3.35%	11 Months
Min Balance $100,000 Details Limited Time Offer; Balance: $100,000 and above Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
18 Month Certificate of Deposit	3.30%	3.35%	18 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.35% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
8 Month CD/IRA Special (Limited Time Offer)	3.25%	3.30%	8 Months
Min Balance $50,000 Details Balance: $50,000 to $99,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.30% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
11 Month CD/IRA Special	3.15%	3.20%	11 Months
Min Balance $50,000 Details Limited Time Offer; Balance: $50,000 to $99,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.20% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
8 Month CD/IRA Special (Limited Time Offer)	3.06%	3.10%	8 Months
Min Balance $25,000 Details Balance: $25,000 to $49,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.10% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
11 Month CD/IRA Special	2.96%	3.00%	11 Months
Min Balance $25,000 Details Limited Time Offer; Balance: $25,000 to $49,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
24 Month Certificate of Deposit	2.96%	3.00%	24 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
36 Month Certificate of Deposit	2.96%	3.00%	36 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
6 Month Certificate of Deposit	2.96%	3.00%	6 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Premier 3 Month CD Special	2.96%	3.00%	3 Months
Min Deposit $500 Min Balance $100,000 Details Balance: $100,000 and above; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.20% → 3.00% ▼ 0.20 pts · high 3.20% / low 3.00% Sep 22, 20263.00%▼ from 3.20% Sep 14, 20263.20%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
8 Month CD/IRA Special (Limited Time Offer)	2.91%	2.95%	8 Months
Min Balance $500 Details Balance: $500 to $24,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.95% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
11 Month CD/IRA Special	2.81%	2.85%	11 Months
Min Balance $500 Details Limited Time Offer; Balance: $500 to $24,999.99 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
12 Month Certificate of Deposit	2.81%	2.85%	12 Months
Min Balance $500 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.25% → 2.85% ▼ 0.40 pts · high 3.25% / low 2.85% Sep 26, 20262.85%▼ from 3.25% Sep 14, 20263.25%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Premier 3 Month CD Special	2.81%	2.85%	3 Months
Min Deposit $500 Min Balance $50,000 Details Balance: $50,000 to $99,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 3.05% → 2.85% ▼ 0.20 pts · high 3.05% / low 2.85% Sep 22, 20262.85%▼ from 3.05% Sep 14, 20263.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Premier 3 Month CD Special	2.62%	2.65%	3 Months
Min Deposit $500 Min Balance $25,000 Details Balance: $25,000 to $49,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.85% → 2.65% ▼ 0.20 pts · high 2.85% / low 2.65% Sep 22, 20262.65%▼ from 2.85% Sep 14, 20262.85%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Premier 3 Month CD Special	2.47%	2.50%	3 Months
Min Deposit $500 Min Balance $500 Details Balance: $500 to $24,999.99; Features 1 Penalty-Free Withdrawal & Unlimited Deposits; Requires a WCCU Checking Account at opening Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 2.70% → 2.50% ▼ 0.20 pts · high 2.70% / low 2.50% Sep 22, 20262.50%▼ from 2.70% Sep 14, 20262.70%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
60 Month Certificate of Deposit	0.70%	0.70%	60 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.70% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
48 Month Certificate of Deposit	0.65%	0.65%	48 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.65% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
3 Month Certificate of Deposit	0.10%	0.10%	3 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 4 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Savings Rates

Product	Rate	APY
Goals Savings Account	2.96%	3.00%
Min Balance $0 Details Balance: $0.00; Rates fixed for 12 months; Only 1 #Goals Savings Account per membership; Auto transfers are the only deposits allowed; Closing early results in loss of 90 days of interest Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Diamond Savings Account	2.72%	2.75%
Min Deposit $25 Min Balance $0 Details Balance: $0.00 to $24,999.99; Limit (1) Diamond Savings account per member; no monthly fees Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.75% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Diamond Savings Account	1.24%	1.25%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 and above; Limit (1) Diamond Savings account per member; no monthly fees Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
IRA Savings Account	0.45%	0.45%
Min Deposit $25 Min Balance $100,000 Details Balance: $100,000.00 and above; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.45% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
IRA Savings Account	0.35%	0.35%
Min Deposit $25 Min Balance $25,000 Details Balance: $25,000.00 to $99,999.99; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.35% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
IRA Savings Account	0.25%	0.25%
Min Deposit $25 Min Balance $10,000 Details Balance: $10,000.00 to $24,999.99; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.25% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Rewards Savings Account	0.15%	0.15%
Min Deposit $5 Min Balance $200,000 Details Balance: $200,000.00 and above; No monthly service charges; $5 min. to open; Rate based on total balances under Primary Owner's number- savings and loans (excluding 1st Mortgages) Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 6 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
IRA Savings Account	0.10%	0.10%
Min Deposit $25 Min Balance $0 Details Balance: $0 to $9,999.99; Consult your tax advisor to make sure you qualify for tax deductibility of IRA contributions. Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.10% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Rewards Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 to $9,999.99; No monthly service charges; $5 min. to open; Rate based on total balances under Primary Owner's number- savings and loans (excluding 1st Mortgages) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Rewards Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $10,000 Details Balance: $10,000.00 to $49,999.99; No monthly service charges; $5 min. to open; Rate based on total balances under Primary Owner's number- savings and loans (excluding 1st Mortgages) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Rewards Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; No monthly service charges; $5 min. to open; Rate based on total balances under Primary Owner's number- savings and loans (excluding 1st Mortgages) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Rewards Savings Account	0.10%	0.10%
Min Deposit $5 Min Balance $100,000 Details Balance: $100,000.00 to $199,999.99; No monthly service charges; $5 min. to open; Rate based on total balances under Primary Owner's number- savings and loans (excluding 1st Mortgages) Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.10% APY · checked 5 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Business Savings Rates

Product	Rate	APY
Share Savings for Business	0.05%	0.05%
Min Deposit $5 Min Balance $0 Details Balance: $0.00 to $4,999.99; Annual Percentage Yield (APY) is effective as of 13/10/2026 and subject to change without notice. Fees may reduce earnings. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share Savings for Business	0.05%	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00 to $49,999.99; Annual Percentage Yield (APY) is effective as of 13/10/2026 and subject to change without notice. Fees may reduce earnings. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share Savings for Business	0.05%	0.05%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and above; Annual Percentage Yield (APY) is effective as of 13/10/2026 and subject to change without notice. Fees may reduce earnings. Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Money Market Rates

Product	Rate	APY
Advantage Money Market Account	3.00%	3.05%
Min Balance $250,000 Details Balance: $250,000.00 and above; A minimum balance of $100 and an active eChecking account is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 3.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Money Market Account	2.76%	2.80%
Min Balance $100,000 Details Balance: $100,000.00 to $249,999.99; A minimum balance of $100 and an active eChecking account is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.80% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Money Market Account	2.47%	2.50%
Min Balance $50,000 Details Balance: $50,000.00 to $99,999.99; A minimum balance of $100 and an active eChecking account is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 2.50% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Money Market Account	1.39%	1.40%
Min Balance $20,000 Details Balance: $20,000.00 to $49,999.99; A minimum balance of $100 and an active eChecking account is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.40% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Money Market Account	0.99%	1.00%
Min Balance $100 Details Balance: $100.00 to $19,999.99; A minimum balance of $100 and an active eChecking account is required Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.00% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Business Money Market Rates

Product	Rate	APY
Advantage Business Money Market Account	2.77%	2.80%
Min Deposit $2,500 Min Balance $0 Details Balance: $250,000.00 and above; Requires a new or current Business Checking account Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 2.80% ▲ 1.75 pts · high 2.80% / low 1.05% Oct 13, 20262.80%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Business Money Market Account	2.52%	2.55%
Min Deposit $2,500 Min Balance $0 Details Balance: $100,000.00 to $249,999.99; Requires a new or current Business Checking account Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 2.55% ▲ 1.50 pts · high 2.55% / low 1.05% Oct 13, 20262.55%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Business Money Market Account	1.54%	1.55%
Min Deposit $2,500 Min Balance $0 Details Balance: $25,000.00 to $99,999.99; Requires a new or current Business Checking account Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 1.05% → 1.55% ▲ 0.50 pts · high 1.55% / low 1.05% Oct 13, 20261.55%▲ from 1.05% Sep 14, 20261.05%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Advantage Business Money Market Account	1.05%	1.05%
Min Deposit $2,500 Min Balance $0 Details Balance: $0.00 to $24,999.99; Requires a new or current Business Checking account Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 1.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Checking Rates

Product	Rate	APY	View More
eChecking	3.45%	3.50%
Min Deposit $10 Min Balance $0 Details Qualifications Required: 10 debit card PIN or signature-based transactions per month; sign up and activate eStatements; 1 or more direct deposit or ACH transfers per month totaling minimum $500; Balance: $0.00 to $19,999.99; higher rate requires qualifications, otherwise 0.10% APY Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 3.50% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Business Checking Rates

Product	Rate	APY
Free Business Checking with Interest	0.15%	0.15%
Min Deposit $10 Min Balance $10,000 Details Balance: $10,000.00 and above Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.15% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Free Business Checking with Interest	0.05%	0.05%
Min Deposit $10 Min Balance $10 Details Balance: $10.00 - $9,999.99 Last Updated 10/13/2026 Rate History No change since Sep 14, 2026 · 0.05% APY · checked 8 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Mortgage Rates

Product	Rate	Points	APR	Term
Refi Home Loan	-	-	5.75%	8 years
Details Monthly payment per $1000 borrowed: $13.03; APR requires an 'A' credit score of 720 or above; includes 0.75% reduction for automatic loan payments from a WCCU Checking Account (otherwise 0.75% is added); owner occupied only; minimum loan $10,000, maximum $500,000; effective 13/10/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.63% → 5.75% ▲ 0.13 pts · high 5.75% / low 5.63% Oct 2, 20265.75%▲ from 5.63% Sep 14, 20265.63%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Refi Home Loan	-	-	6.125%	12 years
Details Monthly payment per $1000 borrowed: $9.83; APR requires an 'A' credit score of 720 or above; includes 0.75% reduction for automatic loan payments from a WCCU Checking Account (otherwise 0.75% is added); owner occupied only; minimum loan $10,000, maximum $500,000; effective 13/10/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 5.88% → 6.13% ▲ 0.25 pts · high 6.13% / low 5.88% Oct 2, 20266.13%▲ from 5.88% Sep 14, 20265.88%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Refi Home Loan	-	-	6.50%	17 years
Details Monthly payment per $1000 borrowed: $8.12; APR requires an 'A' credit score of 720 or above; includes 0.75% reduction for automatic loan payments from a WCCU Checking Account (otherwise 0.75% is added); owner occupied only; minimum loan $10,000, maximum $500,000; effective 13/10/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.13% → 6.50% ▲ 0.38 pts · high 6.50% / low 6.13% Oct 2, 20266.50%▲ from 6.13% Sep 14, 20266.13%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Refi Home Loan	-	-	6.625%	20 Years
Details Monthly payment per $1000 borrowed: $7.54; APR requires an 'A' credit score of 720 or above; includes 0.75% reduction for automatic loan payments from a WCCU Checking Account (otherwise 0.75% is added); owner occupied only; minimum loan $10,000, maximum $500,000; effective 13/10/2026 Last Updated 10/13/2026 Rate History 1 change since Sep 14, 2026 · 6.38% → 6.63% ▲ 0.25 pts · high 6.63% / low 6.38% Oct 2, 20266.63%▲ from 6.38% Sep 14, 20266.38%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
15 Year Fixed Morgage	-	-	6.875%
Details Featured Rate Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.88% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Adjustable Rate Mortgages - 5/1 Mortgage	6.375%	-	6.927%	30 years
Details Initial fixed period 5 years, then adjusts; APR based on credit score of 720 or greater Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.93% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Adjustable Rate Mortgages - 7/1 Mortgage	6.625%	-	6.952%	30 years
Details Initial fixed period 7 years, then adjusts; APR based on credit score of 720 or greater Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 6.95% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Fixed Rate Mortgages	6.875%	0.000	7.014%	15 years
Details Loan amounts up to $832,750; APR based on credit score of 780 or greater; based on 0 discount points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.01% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Adjustable Rate Mortgages - 3/1 Mortgage	6.25%	-	7.018%	30 years
Details Initial fixed period 3 years, then adjusts; APR based on credit score of 720 or greater Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.02% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Fixed Rate Mortgages	7.00%	0.000	7.112%	20 years
Details Loan amounts up to $832,750; APR based on credit score of 780 or greater; based on 0 discount points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.11% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Fixed Rate Mortgages	7.125%	0.000	7.212%	30 years
Details Loan amounts up to $832,750; APR based on credit score of 780 or greater; based on 0 discount points Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 7.21% APR Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Auto Loan Rates

Product	Rate	Points	APR	Term
Used Auto Loans 2021 - 2025	-	-	5.49%	3 years
Details Rates shown for members with an 'A' credit score of 720 or above and 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Maximum LTV 115% for used auto loans 2021 - 2025 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Used Auto Loans 2021 - 2025	-	-	5.49%	4 years
Details Rates shown for members with an 'A' credit score of 720 or above and 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Maximum LTV 115% for used auto loans 2021 - 2025 Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 5.49% APR · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Used Auto Loans 2021 - 2025	-	-	5.99%	5 years
Details Rates shown for members with an 'A' credit score of 720 or above and 1.00% reduction for payments automatically deducted from a WCCU Checking Account; Maximum LTV 115% for used auto loans 2021 - 2025 Last Updated 10/13/2026 Rate History 1 change since Sep 18, 2026 · 5.49% → 5.99% ▲ 0.50 pts · high 5.99% / low 5.49% Oct 5, 20265.99%▲ from 5.49% Sep 18, 20265.49%first recorded Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Westerly Community Credit Union Other Rates

Product	Rate	Points	APY/APR	Term
Certificates of Deposit - 12 Months	2.81%	-	2.85%	12 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 2.85% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 18 Months	3.30%	-	3.35%	18 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.35% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 24 Months	2.96%	-	3.00%	24 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 3 Months	0.10%	-	0.10%	3 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.10% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 36 Months	2.96%	-	3.00%	36 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 48 Months	0.65%	-	0.65%	48 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.65% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 6 Months	2.96%	-	3.00%	6 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 3.00% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Certificates of Deposit - 60 Months	0.70%	-	0.70%	60 Months
Min Balance $500 Last Updated 10/13/2026 Rate History No change since Oct 13, 2026 · 0.70% APY Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $5 Details Balance: $5.00 to $4,999.99; Includes WCCU Money Mammals Kids Club and Youth Share Savings Account; $5 min. to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $5,000 Details Balance: $5,000.00 to $49,999.99; Includes WCCU Money Mammals Kids Club and Youth Share Savings Account; $5 min. to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%
Share Account	0.05%	-	0.05%
Min Deposit $5 Min Balance $50,000 Details Balance: $50,000.00 and above; Includes WCCU Money Mammals Kids Club and Youth Share Savings Account; $5 min. to open Last Updated 10/13/2026 Rate History No change since Sep 18, 2026 · 0.05% APY · checked 7 times Institution Ratings 5.0 Star Rating A+ Health Grade ◈ Texas Ratio: 1.81%

Important: Rates, terms, and conditions are subject to change without notice. The rates displayed are for information purposes only. Please confirm all rates and terms directly with the financial institution. We strive to keep this information accurate but cannot guarantee it.
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Financial Health History

Westerly Community Credit Union’s Texas Ratio rose from 0.96% in Q3 2023 to 1.81% in Q2 2026, so its financial health has stayed very strong over the past 12 quarters. Over the same period its Star Rating moved from 5.0 to 5.0. Lower Texas Ratios are healthier — this credit union’s entire history sits far below the 15% threshold for the MBR Verified Healthy badge. Hover over or tap a point for that quarter’s figures.

Swipe the chart sideways to see every quarter.

Texas Ratio, left axis (lower is healthier)MBR Star Rating, right axis (1 to 5)Health Grade

How to read this chart: the two lines move in opposite directions by design. The Texas Ratio (blue) measures trouble, so a rising blue line means more non-performing assets against capital. The Star Rating (green) and Health Grade chips measure strength, so they fall when the Texas Ratio climbs and recover when it drops.

Show the quarterly figures

Quarter	Total assets	Texas Ratio	Star Rating	Health Grade
June 30, 2026	$520M	1.81%	5.0	A+
March 31, 2026	$511M	2.29%	5.0	A+
December 31, 2025	$507M	2.03%	5.0	A+
September 30, 2025	$503M	1.23%	5.0	A+
June 30, 2025	$504M	1.01%	5.0	A+
March 31, 2025	$499M	1.28%	5.0	A+
December 31, 2024	$498M	1.40%	5.0	A+
September 30, 2024	$492M	1.34%	5.0	A+
June 30, 2024	$488M	1.88%	5.0	A+
March 31, 2024	$482M	2.49%	5.0	A+
December 31, 2023	$469M	2.74%	5.0	A+
September 30, 2023	$472M	0.96%	5.0	A+

Source: NCUA 5300 call reports, MonitorBankRates analysis. Ratings shown are recomputed for each quarter with the current methodology and exclude member reviews.

Methodology & Data Sources

MonitorBankRates Star Rating

Our rating for Westerly Community Credit Union is derived from comprehensive financial data published quarterly by the NCUA. Our proprietary rating system evaluates financial stability (including the Texas Ratio and capitalization) and combines it with member feedback (user reviews) to help you make informed banking decisions.

Texas Ratio

We calculate the Texas Ratio using standard industry methodology. This ratio compares the credit union's non-performing assets to its tangible common equity and loan loss reserves to assess financial health.

Rate Data Aggregation

We gather Westerly Community Credit Union rates using proprietary online rate aggregation technology. Our systems scan constantly to provide the most recent rates available to our visitors.

Disclaimer: Interest rates are variable and subject to change without notice. While we strive for accuracy, rates can change rapidly based on market conditions. It is always advisable to check with Westerly Community Credit Union's official website for the most current offers and terms.

Credit Union Profile & Overview

Credit Union Name Westerly Community Credit Union

Website https://www.westerlyccu.com

Address 4979 Tower Hill Rd, Wakefield, RI 02879-2283

Phone 401-596-7000

Fax

President Pete Stefanski

CEO Andrew Rogers

Full-Time Employees 79

Part-Time Employees 0

Branch Locations 5

ATM Locations 5

NCUA Insured ✓ Yes, up to $250,000 per depositor

Financials

MonitorBankRates Star Rating

5.0 / 5.0 ★

Overall Health & Safety Grade

A+ (99/100)

Texas Ratio

1.81%

Return on Assets (ROA)

0.3752%

Return on Equity (ROE)

4.0187%

Non-Performing Loans Ratio (NPL)

0.21%

Total Assets

519,854,633

Total Amount of Shares and Deposits

451,275,087

Total Shares and Deposits < 1 Year

428,659,361

Total Shares and Deposits 1 3 Years

21,971,542

Total Shares and Deposits > 3 Years

644,184

Total Uninsured Member Shares and Deposits > $250K (A+A1+B+C+D+E)

33,487,790

Total Uninsured Shares and Deposits > $250K (F+J)

33,487,790

Total Insured Shares and Deposits > $250K (item 17 less item K)

417,787,297

Total Interest Expense (Sum of items 6 8)

4,136,678

Share Certificates

2,331

Number of Accounts for Share Drafts

16,400

IRA KEOGH Accounts

524

Number of Accounts for Regular Shares

16,993

All other shares

851

Non Member Deposits

Money Market Shares

492

Net Worth Classification if credit union is not new (Based upon Call Report data only See instructions)

Well Capitalized

Net Worth Classification if credit union is a new credit union

Well Capitalized

Total Cash on Deposit (Amounts Deposited in Financial Institutions)

8,224,925

Total Liabilities

474,257,270

Source: NCUA — Last Updated 06/30/2026

Q2 2026 MBR Health & Safety Badge

Westerly Community Credit Union earned the Verified Healthy badge

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Learn more about the MBR Health & Safety Badge program on our methodology page.

Customer Reviews

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Average Rating

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Total Reviews

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Frequently Asked Questions About Westerly Community Credit Union

How many branches does Westerly Community Credit Union operate?

Westerly Community Credit Union currently maintains approximately multiple branch location(s). Physical branches allow members to access in-person services such as notary consultations and safe deposit boxes.

Is a member application needed to join Westerly Community Credit Union?

Yes, to access services at Westerly Community Credit Union, a member application is required. As a credit union, membership is based on specific eligibility criteria such as where you live, work, or your organizational affiliations.

Is there a first-time homebuyer program?

Currently, Westerly Community Credit Union does not list a specific first-time homebuyer program, but they provide a range of mortgage and home equity products to assist members with property financing.

Are credit management and repair services offered?

While formal credit repair services are not currently listed, Westerly Community Credit Union provides members with tools to manage their accounts and build a solid financial history.

Does Westerly Community Credit Union offer online and mobile banking?

Most modern institutions like Westerly Community Credit Union provide digital access. This includes the ability to check balances, transfer funds, deposit checks via mobile app, and view statements online. You can usually find these services at their official website: https://www.westerlyccu.com.

Current Westerly Community Credit Union Rates

12-Month CD2.85%
18-Month CD3.35%
24-Month CD3.00%
60-Month CD0.70%
Savings3.00%
MMA3.05%

Retrieved from our database of financial products. Rates subject to change.

Compare to Other Credit Unions

Westerly Community Credit Union Rates & Review October 2026

Brian McKay

Overall Health & Safety Grade

MonitorBankRates Star Rating

Westerly Community Credit Union Texas Ratio

Westerly Community Credit Union Health Trend

Westerly Community Credit Union CD Rates

Westerly Community Credit Union Savings Rates

Westerly Community Credit Union Business Savings Rates

Westerly Community Credit Union Money Market Rates

Westerly Community Credit Union Business Money Market Rates

Westerly Community Credit Union Checking Rates

Westerly Community Credit Union Business Checking Rates

Westerly Community Credit Union Mortgage Rates

Westerly Community Credit Union Auto Loan Rates

Westerly Community Credit Union Other Rates

Financial Health History

Methodology & Data Sources

Credit Union Profile & Overview

Financials

Westerly Community Credit Union earned the Verified Healthy badge

Customer Reviews

Frequently Asked Questions About Westerly Community Credit Union

How many branches does Westerly Community Credit Union operate?

Is a member application needed to join Westerly Community Credit Union?

Is there a first-time homebuyer program?

Are credit management and repair services offered?

Does Westerly Community Credit Union offer online and mobile banking?

Current Westerly Community Credit Union Rates

Compare to Other Credit Unions